* Assumes $5,100
deposit in Health
Savings at 25%
tax bracketThis
sample is for
comparison purposes
only and your
individual claims
experience may
vary.
Your agent can
provide you
with more information.

Healthy
Case - zero
expenses

Typical
Family
of Four
Plan

Health
Savings
Plan -
Family

Deductible (3 per family)

$1000 per person $3,000 total

$5,100
family
deductible

Max out of pocket (3 per family) or 80/20 Coinsurance

$2,000 per person $6,000 total

100%

Premium
Paid

$7,296/ year ($608/month)

$5,080/year ($420 per month)

No visits
to the doctor
this year.

$0

$0

Out-of-Pocket Expenses Subtotal

0

0

Tax Savings
on Health
Savings
Deposits

$0

($1,275)

Expenses (Yearly premium + Out of Pocket - Tax Savings)

$7,296

$5,080

Total
net Savings
with Health
Savings
Plan

=$2,216

* Assumes $5,100
deposit in Health
Savings at 25%
tax bracketThis
sample is for
comparison purposes
only and your
individual claims
experience may
vary.
Your agent can
provide you
with more information.

Unhealthy
Case - $6,000
in expenses

Typical
Family
of Four
Plan

Health
Savings
Plan -
Family

Deductible (3 per family)

$1000 per person $3,000 total

$5,100
family
deductible

Max out of pocket (3 per family)

or 80/20 Coinsurance

$2,000 per person $6,000 total

100%

Premium
Paid

$7,296/ year ($608/month)

$5,080/year ($420 per month)

Your share

$2,000
in deductibles
$800
in coinsurance
5 x $40 Office Visit copay

$5,100
in deductibles
$0 in
coinsurance

Out-of-Pocket Expenses Subtotal

=$3,000

=$5,100

Tax Savings
on Health
Savings
Deposits

$0

($1,275)

Expenses (Yearly premium + Out of Pocket - Tax Savings)

$10,296

$10,180

Total
net Savings
with Health
Savings
Plan

=$1,391

* Assumes $5,100
deposit in Health
Savings at 25%
tax bracketThis
sample is for
comparison purposes
only and your
individual claims
experience may
vary.
Factors effecting
premium are
age, health
history and
tobacco use.
Your agent can
provide you
with more information.

* Assumes $5,100
deposit in Health
Savings at 25%
tax bracketThis
sample is for
comparison purposes
only and your
individual claims
experience may
vary.
Factors effecting
premium are
age, health
history and
tobacco use.
Your agent can
provide you
with more information.

Individual
Example

Individual

Health
Savings
Plan -
Indiviudal

Deductible

$2,000
total

$2,000
deductible

Max out of pocket

or 80/20 Coinsurance

$2,000

100%

Premium
Paid

$2,400/
year ($200/month)

$1,368/year
($114
per month)

$2,500
Claim

$2,000
in deductibles
$200 in
coinsurance
$200 in
co-pays
(5 visits)

$2,000
for medical
expenses

Out-of-Pocket Expenses Subtotal

=$2,400

=$2,000

Tax Savings
on Health
Savings
Deposits

$0

($480)*

Total Expenses (yearly Premium + Expenses - Tax savings)

$4,400

$2,888

Total
net Savings
with Health
Savings
Plan

$0

=$1,512

* Assumes $2,000
deposit in Health
Savings at 24%
tax bracketThis
sample is for
comparison purposes
only and your
individual claims
experience may
vary.
Your agent can
provide you
with more information.

Healthy
Case - zero
expenses

Individual

Health
Savings
Plan -
Family

Deductible

$2000
deductible

$2,000
deductible

Max out of pocket

or 80/20 Coinsurance

$2,000

100%

Premium
Paid

$1,740/
year ($140/month)

$1,368/year
($114
per month)

Expenses

$0

$0

Out-of-Pocket Expenses Subtotal

0

0

Tax Savings
on Health
Savings
Deposits

$0

($500)*

Total Expenses (yearly Premium + Expenses - Tax savings)

$1,740

$868

Total
net Savings
with Health
Savings
Plan

=$872

* Assumes $2,000
deposit in Health
Savings at 25%
tax bracketThis
sample is for
comparison purposes
only and your
individual claims
experience may
vary.
Your agent can
provide you
with more information.

Unhealthy
Case - $3,000
in expenses

Individual

Health
Savings
Plan -
Family

Deductible

$2000
deductible

$2,000
deductible

Max out of pocket

or 80/20 Coinsurance

$2,000

100%

Premium
Paid

$1,740/
year ($140/month)

$1,368/year
($114
per month)

Expenses

$2,000
deductible
$200 coinsurance
4 x $40 office visit copay

$2,000
deductible
$0 coinsurance
$0 copay

Out-of-Pocket Expenses Subtotal

=$2,360

=$2,000

Tax Savings
on Health
Savings
Deposits

$0

($500)*

Total Expenses (yearly Premium + Expenses - Tax savings)

$4,100

$2,868

Total
net Savings
with Health
Savings
Plan

=$1,732

* Assumes $2,000
deposit in Health
Savings at 25%
tax bracketThis
sample is for
comparison purposes
only and your
individual claims
experience may
vary.
Your agent can
provide you
with more information.

Catastrophic
Case - $500,000
in expenses

Individual

Health
Savings
Plan

Deductible

$2,000
deductible

$2,000
deductible

Max out of pocket

or 80/20 Coinsurance

$2,000

100%

Premium
Paid

$1,740/
year ($140/month)

$1,368/year
($114
per month)

Expenses

$2,000
deductible
$2,000
coinsurance
20 x $40 office visit copay

$2,000
deductible
$0 coinsurance
$0 copay

Out-of-Pocket Expenses Subtotal

=$4,800

=$2,000

Tax Savings
on Health
Savings
Deposits

$0

($500)*

Total Expenses (yearly Premium + Expenses - Tax savings)

$6,540

$2,868

Total
net Savings
with Health
Savings
Plan

=$3,682

* Assumes $2,000
deposit in Health
Savings at 25%
tax bracketThis
sample is for
comparison purposes
only and your
individual claims
experience may
vary.
Your agent can
provide you
with more information.